CITIZENS FIRST FINANCIAL CORP
8-K, 2000-10-30
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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                                  UNITED STATES
                       SECURITIES AND EXCHANGE COMMISSION
                             Washington, D.C. 20549
                                    FORM 8-K
                                 CURRENT REPORT
<TABLE>
<S>                                                                             <C>
    Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
Date of Report (Date of earliest event report) October 30, 2000 (October 27, 2000)
                       -----------------------------------

                         CITIZENS FIRST FINANCIAL CORP.
             ------------------------------------------------------
             (Exact name of registrant as specified in its charter)

          Delaware                        1-4274                37-1351861
(State or other jurisdiction of         (Commission            IRS Employer
 incorporation or organization)         File Number)         Identification No.)


              2101 N. Veteran Parkway, Bloomington, Illinois 61704
              ----------------------------------------------------
                    (Address of principal executive offices)

                                 (309) 661-8700
                ------------------------------------------------
                (Issuer's telephone number, including area code)

                                 Not Applicable
         --------------------------------------------------------------
         (Former name or former address, if changed since last report.)


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Total Pages:  5

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Item 5. Other Events

A press release announcing the results of operation for the third quarter of
2000 is attached as Exhibit 99.1.

                                  Exhibit Index

Exhibit No.                                                                 Page
-----------                                                                 ----
99.1                   Press release dated October 27, 2000                  3



                                   SIGNATURES

     Pursuant to the requirements of the Securities Exchange Act of 1934, the
registrant has duly caused this report to be signed on its behalf by the
undersigned hereunto duly authorized.



Dated: October 30, 2000                 By: /c/ C. William Landefeld
                                           -------------------------------------
                                           C. William Landefeld
                                           President and Chief Executive Officer



Dated:   October 30, 2000               By: /c/ Dallas G. Smiley
                                           -------------------------------------
                                           Dallas G. Smiley
                                           Senior Vice-President and
                                           Chief Financial Officer

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